Balance
Program Balance
The current ledger balance for one program. Restricted card redemptions and fees configured to post to the balance draw it down. Settled top-ups, returns, and voids build it back up. See Program Balance.Target Balance
The amount auto recharge restores a program to after payment settles. An Organization Admin can set it at or above the Recharge threshold for a program funded in advance. A BIA program settles to $0. See Auto-Recharge.Recharge alert email
An optional email sent once when a balance enters the warning range, which starts at 10% above the Recharge threshold. It does not start a top-up. The alert can send again after the balance recovers above the warning range and later re-enters it. See Auto-Recharge.Balance history
The record of every change to the Program Balance, with the date, type, reason, amount, and new balance for each entry. See Balance History.Recharge
Auto recharge
The program-level rule that starts a Top-Up Bill when available funds fall below the Recharge threshold. An Organization Admin can enable or disable it without blocking manual top-ups. See Auto-Recharge.Recharge threshold
The funding level below which an automatic top-up starts. For a program funded in advance, an Organization Admin sets this at or above $0 and keeps the Target Balance at or above it. A negative threshold is a BIA limit and can only be changed by iQpay. See Auto-Recharge.Bills and payments
Top-Up Bill
The bill created for an automatic or manual top-up. It can be collected by hosted invoice, ACH, or card. Creating it does not change the Program Balance; the balance is credited after payment settles. See Invoices and Auto-Recharge.Top-up
A request to add funds to the Program Balance after payment settles. An automatic top-up is sized to reach the Target Balance; an Organization Admin can also request a fixed manual top-up by hosted invoice, ACH, or card from a program’s Balance tab.Payment method
The saved card or bank account used for top-ups. Invoice is the default when no saved method is selected for a program. Organization Admins manage methods under Billing → Payment methods. See Billing & Payments.Fees
Charges for using the platform. Fees configured to post to Program Balance reduce it when they are recorded. Some charges, such as new program setup fees and card processing fees, are billed outside Program Balance. See Fee Types.Balance states
Billing in Arrears (BIA)
A funding model that iQpay approves for a program so it can accrue usage before payment. A BIA invoice restores the balance to $0 after payment settles. A balance below $0 is expected until the BIA limit is reached. Organization Admins cannot enable BIA or change its limit in the portal. See Billing & Payments.BIA limit
The maximum approved outstanding usage for a BIA program. At the next daily recharge check after the balance moves past the limit, a bill is created. Sends pause if the program stays past the limit for more than 10 days. See Billing & Payments.Balance below $0
What it means depends on whether BIA is enabled. On a program funded in advance, the balance is not allowed below $0. An order that costs more than the balance on hand is declined when you place it. If the balance drops below $0 anyway — for example, when redemptions or fees land after an order was approved — new orders are declined at placement, and you have 10 days to restore the balance. Scheduled sends keep going out during those 10 days. After 10 days, scheduled sends pause until the balance is restored. The program page shows a banner counting down the days. Only scheduled sends pause. Cards due in a paused send are held pre-send, not cancelled, and are released automatically once the balance recovers. Cards members already have are not affected and keep working. On a program with BIA enabled, a balance below $0 is expected. Sends pause when three or more top-up bills are outstanding or when the balance stays past the BIA limit for more than 10 days. See Billing & Payments.Sends paused
The status shown when a program’s card sends are stopped for balance reasons. When the pause is caused by a balance below $0 on a program funded in advance, the program page shows:Program sends are paused because the program has a balance below $0 and Invoicing is not enabled for it. Add funds to the program, or enable Invoicing, to resume sends.When the pause is caused by three or more outstanding top-up bills, the program page uses “invoices” in its message:
Program sends are paused because too many invoices are outstanding. Settle the outstanding invoices to resume sends.The first pause lifts on its own once the balance is back to $0 or above. The outstanding-top-up-bill pause lifts once the top-up bills are settled. See Auto-Recharge and Billing & Payments.